How To Compare Car Insurance Quotes To Save Money?
 |
| Picture: Illustration how to compare car insurance quotes to save money |
Compare car insurance quotes and save
Why compare car insurance quotes?
Car insurance offers and their rates vary from one insurer
to another. That is why, as a rule, it is recommended to compare car insurance
quotes from several providers in order to make an appropriate choice.
In practice, going around the insurance companies in your
locality, for example, is an expense item that you can easily avoid. Indeed,
you have the opportunity to go through a car insurance comparator to choose the
ideal partner.
The comparison tools, a priori available online, allow you
to study different insurance formulas, quickly without moving. These are
dedicated platforms that make available to their users, the quotes of many
providers, according to their specific needs.
Read Also: Cheapest Car Insurance Quotes for University Students
This allows you not only to save time, but also to make
substantial savings of up to 45% on the car insurance premium.
In practice, from a connected device, you can compare and
choose the most economical offer among those displayed and that meet your
expectations.
These providers offer you the opportunity to review quotes
from many players in the insurance industry. These are in this case: bankers,
national companies, brokers, wholesalers...
How to compare car insurance quotes?
The use of a car insurance quote comparator is very
advantageous, but it is necessary a priori to know how to compare to make an
optimal choice.
In practice, comparison platforms make available to their
many users a form to fill out or an indicative questionnaire. These tools make
it possible to have personalized search intentions and therefore a list of quotes
that correspond to a specific request.
As a rule, the form allows the user to fill in personal
information, information about the vehicle and your history as an insured
person. In addition to these data, you must indicate the insurance plan that
you want to take out.
These can be: third parties, all risks, intermediaries ...
You also have the possibility to add filtering options such as: your budget,
additional services or specific guarantees...
When all these data are filled in on a comparator, the
simulator available on the platform offers you a list of quotes compatible with
your search. In practice, you have the option of comparing each insurance quote
in detail or performing a side-by-side comparison of several quotes
simultaneously.
In any case, the main elements for comparing insurance
quotes are: car insurance formula, annual car insurance premium rate, covered
warranties, deductibles and exclusions, insurance limits, assistance and
additional options....
The advantages of comparing car insurance premiums
The insurance premium is one of the most decisive comparison
criteria when choosing an insurance company. This is the basic amount owed by
the insured (per year) for the coverage of the guarantees included in his car
insurance contract.
Note, however, that for the same formula and identical
guarantees, the basic amount to be paid can vary greatly from one insurer to
another. Indeed, it is generally influenced by objective and subjective
criteria specific to each provider.
In practice, in addition to the chosen insurance formula and
the covered guarantees, insurers set the price according to parameters such as:
- the type of vehicle,
- the age of the driver,
- driving history,
- the use of the automobile,
- the driver's city of residence...
Even if these are a priori common criteria for all insurance
companies, the importance given to one or the other may vary. For a given
provider, the use of the vehicle may be more decisive in setting the annual
rate, while for another, it would be a question of age.
Under these conditions, it is undoubtedly very convenient to
compare the insurance premiums of several providers in order to choose the most
advantageous one.
The comparison tools allow you to quickly get a global idea
of the common and specific parameters taken into account in the premium
pricing. Note also that the basic amount to be paid by an insured person can be
influenced downwards or upwards by his bonus-malus.
In any case, it is necessary to provide on average about 600
euros for the car insurance premium for your vehicle.
How to save money on your car insurance policy?
Car insurance is one of those significant items of expenses
that you cannot escape. However, there are various practical tricks and
techniques that you can use to make substantial savings on this mandatory load.
As a rule, using an online car insurance comparator is the
easiest primary way to get an insurance policy at a lower cost.
In addition, it is recommended to opt for online car
insurance companies to save more money. Indeed, the rates offered by the latter
are more advantageous, because they are not influenced by their office
management fees.
In addition to these first tips, you can save money on your
car insurance policy by following the following tips:
- adopt a healthy and impeccable driving habit,
- opt for the annual payment of the insurance premium,
- install a black box and a dash cam,
- opt for insurance per kilometer (when you do less than 15,000 kilometers per year)...
Similarly, you can reduce the price of your insurance
premium by directly covering minimal damage, for example. It is also advisable
to adopt a secure parking habit.
Thus, rather than parking your vehicle on the street, in
this case at night, you should opt for more secure garages. It can be your own
garage, a licensed carport or a very convenient private driveway.
In any case, the parking space must be well spaced without
any proven risk of scratches during daily entry and exit maneuvers. (*)
